Best Motorcycle Insurance - We looked at the five most popular motorcycle insurance companies in California and found that Geico has the cheapest coverage for most drivers by an average of $780 per year. That's $1,000,000 less than the state average of $1,816.
We collected 204 motorcycle insurance quotes to determine the best option for California riders. The best value was Geico, with an average annual cost of $780.
Best Motorcycle Insurance
We looked at five of the most popular motorcycle insurance companies in California, including costs, coverage options, and customer service. Our basic range is suitable for most motorcyclists, with additional options available for those with more specific insurance needs.
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Geico is the best insurance company for drivers in California because of the best prices and great customer service.
The best motorcycle insurance company for most California drivers is Geico. Geico offers its riders affordable rates and reputable customer service.
Geico's average rate is 780 - 57% lower than the average annual rate found in California. According to the National Association of Insurance Commissioners (NAIC), Geico has a positive complaint ratio of 0.79. This means that only 79% of complaints are related to a company of this size.
As one of the nation's largest insurers, Geico is an excellent choice for bundling other types of insurance policies. By insuring your car and motorcycle with the same company, you can usually lower your bill for both while simplifying your monthly payments.
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The biggest downside to Geico is that it doesn't have as many insurance options as other insurers, which can hold you back if you have special needs. While Geico allows you to purchase accessories and roadside assistance, there is no option for things like OEM parts.
Allstate is on the cheaper side, more affordable than other affordable insurers.
We recommend Allstate for motorcyclists who want more coverage than the basics but still want an affordable price.
Allstate offers a number of options that appeal to frequent riders, such as replacement, towing and leasing fees, which are especially valuable to riders who depend on their motorcycle as their primary vehicle.
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Plus, Allstate's rates are affordable. The standard rate is $399 per year, which is 23% below the state average of $1,816.
However, we were disappointed with the quality of Allstate's customer service. It received a complaint index of 2.09 from the NAIC. That means Allstate was twice as likely to receive a complaint from a typical insurance company of the same size. The result indicates that Allstate customers are likely to be dissatisfied with their service.
Military, veterans and certain family members can get discounts on motorcycle insurance through USAA. The company has the best customer service, but it is only available to a limited number of consumers.
USAA does not sell motorcycle insurance, but instead operates through Progressive. USAA members receive a 5% discount that can be added to Progressive's powerful discount package. We were also impressed with Progressive's streaming capabilities, including useful extras that include portable content and travel pause.
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It should be noted that Progressive's motorcycle insurance premium discount rates are among the highest in California at an average of $2,774 per year. Even USAA's discount can't lower its progressive rates to compete with other insurers. Always remember to get multiple quotes to make sure you get the best price.
To help California motorcyclists understand insurance costs, we've calculated city-by-city averages for California's 40 largest cities.
When choosing a motorcycle insurance company, the price is important, but so is the quality of the service. When evaluating an insurance company, the National Association of Insurance Commissioners (NAIC) Complaints Index and AM Best's Financial Stability Rating (FSR) are two primary ways to measure its level of service.
The NAIC Claims Index shows how many losses a company receives compared to total premiums, and lower numbers tend to perform better. The AM Best financial stability rating shows how strong a company is financially. A company with a better AM Best rating is more likely to pay benefits even during large-scale disasters and recessions.
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Markel is not accepting personal car insurance applications for 2020. However, as a specialty insurer, it also has a very small market share, so a score of 0 may be an anomaly.
Note that the NAIC lumps auto and motorcycle insurance into one industry category; As such, these appeal indexes are based on each company's combined premium dollars for motorcycles and cars.
To drive a regular motorcycle in California, you must have an M1 class license, which also allows you to drive mopeds and scooters. The M2 class license allows you to drive other two-wheeled vehicles, but does not include motorcycles. If your motorcycle has a sidecar or tricycle, you will need a Class C permit instead.
If you are under 21 and want to apply for a motorbike licence, you must have 6 months of motorbike instruction before applying.
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Motorcycle insurance is required for all drivers in California. Public liability insurance covers the following levels:
While other types of coverage, such as medical bills and uninsured motorist, are not required to drive a motorcycle in California, we recommend that you consider them when purchasing a policy.
We always advise people to buy the type of insurance that suits their insurance needs, but when it comes to motorcycle insurance, it's important to consider the risks of riding a motorcycle. The legal minimums for motorcycle insurance in California only cover liability that pays for damages caused to others. Motorcycles are involved in traffic accidents more often than cars, and the risk of injury and damage to the car is greater than with a car involved in the same accident.
For example, when we selected a sample quote that many people felt would represent their coverage needs, we chose a total liability of $350,000,000 plus tolls and collision coverage for damage to the rider's motorcycle.
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To analyze motorcycle insurance rates at the state level, we collected 204 quotes for California motorcyclists. For example, our rider profile was a 45-year-old man who owned a 2021 Harley-Davidson Street Glide. Environmental limitations include:
For an insurance quote, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! Most states require motorcycle insurance before you can take your bike on the road. But what are the best motorcycle insurance companies?
Many insurers across the country offer motorcycle insurance and sorting through all the options can be difficult. So we've done the homework for you. In this review, we recommend the best providers for different riders based on environment, cost and customer service.
If you want to insure your bike at the cheapest price, it is best to compare offers from several suppliers. Enter your zip code in the free tool below to get started.
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Based on our industry research, we ranked Geico, Progressive, State Farm, Dairyland and Safeco as the top five motorcycle insurance providers on the market today. We applied a five-point scale to each of these suppliers in multiple categories.
We rated Geico as the best overall motorcycle insurance provider because it scores well in all of our review categories. In addition to offering high policy limits and excellent customer service, the provider has some of the lowest rates in the industry.
Geico offers competitive premiums, but has the lowest rates for bike touring and motorcycle insurance. The promoter lists several discount options on its website:
In addition to the basic cover mentioned above, policyholders can purchase helmets, accessories and roadside assistance covers. Because Geico is such a financially strong insurer, policy limits can be set very high—over $1 million in some cases.
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Geico has a reputation for customer service when it comes to auto insurance and motorcycle insurance. It has an A+ rating from the Better Business Bureau (BBB) and is known for reliable claims service. Tools like Geico's mobile app and user-friendly websites make it easy to pay your bill and file a claim with your insurer.
Like Geico, Progressive is a popular auto insurance company that covers motorcycles. We found Progressive to have the best motorcycle coverage because of its high insurance limits and many additional coverage options.
Advance has competitive rates for all types of motorcycle insurance, but offers particularly low rates on comprehensive policies. If you want affordable coverage with high limits, be sure to check out Progressive.
The development earns high marks for customer service. That's it
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